Hi Everyone, Lot of factors determine motorcycle insurance premiums: vehicle type, accessories, location, driver age and history... When I told my agent I was considering shopping around for lower premiums without losing any coverages, she said they wanted to keep me as a client and suggested a 'credit based policy'. If you have a good credit rating, use it to lower your auto, motorcycle and homeowner premiums! They may have to issue a new policy, but your saving $$$. Hope this works for you.